OTTER SERVICES
Deploy any service line on its own or as a fully managed AI-augmented operating model — powered by ScoutIQ's computer vision, AI-assisted documentation, predictive routing, and anomaly detection.
Field Claim Adjusting
What it is
Field adjusting support for property claims requiring on-site inspection, scope development, documentation, and policy-aligned estimate preparation.
What Otter delivers
- Field inspection coordination
- Damage documentation
- Estimate and report preparation
- Photo organization
- Claim file documentation
- QA-ready submission package
Best fit
Daily claims, CAT claims, residential property losses, commercial property inspections, and task-based field assignments.
Desk Adjusting
What it is
Remote claim handling support for claims that can be resolved through documentation, vendor review, policy analysis, estimate review, and customer communication.
What Otter delivers
- Claim file review
- Estimate analysis
- Customer and vendor communication
- Coverage and documentation support
- Settlement recommendation support
- File closure support
Best fit
Lower-complexity claims, reinspection support, and overflow handling for carrier desk teams.
Task-Based Inspections
What it is
Focused inspections designed to answer a specific claim question without over-deploying a full adjusting resource.
What Otter delivers
- Roof inspection
- Interior water damage inspection
- Photo-only documentation
- Cause and origin support
- Reinspection
- Scope verification
- Commercial property condition inspection
Property & Commercial Inspections
What it is
Structured property and commercial inspections completed through ScoutIQ to support underwriting, claims, quality review, and operational decision-making.
What Otter delivers
- Exterior inspections
- Interior inspections
- Commercial property inspections
- Photo documentation
- Occupancy and condition review
- Damage summary reporting
- Structured inspection data
Quality Reviews
What it is
Independent review of claim files, estimates, photos, and reports to evaluate accuracy, completeness, documentation quality, and claim handling consistency.
What Otter delivers
- Estimate review
- Photo-to-estimate comparison
- Report quality review
- Scope validation
- Leakage identification
- File documentation scoring
- QA trend reporting
Mitigation Peer Review
What it is
The Otter Claim Solutions Mitigation Peer Review Unit is a mitigation bill review auditing operation. We audit losses involving water, mold remediation, trauma cleanup, and fire — including post-catastrophic events — focusing on the accuracy of mitigation contractors' charges as part of a loss adjustment and/or claim for damages review process.
What Otter delivers
- Desk Review with Comparative — An IICRC-certified representative conducts a desk review of non-program vendor estimates. A comparative document is provided to the carrier outlining incorrect/excessive line items.
- Desk Review with Negotiation — Includes all comparative review steps, plus direct vendor contact to discuss and revise items based on IICRC standards. Successful revisions are provided to the carrier for finalization.
- Required documents: estimate, photographs, dry logs, moisture mapping, IH testing documentation, protocols, sub invoices, and sketches.
CAT Response
What it is
Scalable catastrophe response built on a vetted adjuster network, ScoutIQ-driven inspection workflows, and centralized QA oversight.
What Otter delivers
- Rapid deployment coordination
- Field and desk surge capacity
- Standardized inspection workflow
- Daily progress and reporting
- Photo and documentation QA
- Carrier escalation support
Best fit
Named storms, freeze events, hail, wildfire response, and multi-state surge programs.
Auditing
What it is
Structured claim audits designed to identify process gaps, estimate trends, documentation inconsistencies, leakage, and operational improvement opportunities.
What Otter delivers
- CAT event review
- Vendor performance audit
- Closed file audit
- QA baseline project
- LAE and indemnity trend review